Learn
Our Approach
1. Education
We educate advisors and clients on the insurance strategies and resources available to help enhance or protect their financial plans.
Life Insurance
Long Term Care
Life Settlements
Our Life Settlement Advocacy Program™ provides an opportunity for clients who have built up a fair amount of cash value in their policy, but no longer need it, to sell their policy as a security transaction. Our unique compliance-oriented marketing system provides a step-by-step guide through a life settlement transaction and ultimately provides the highest level of value for a client’s life insurance policy.
Financial and Estate Planning Modules
Long Term Care
Survivor Needs
Tax Optimization Illustrator
Estate Snapshot
LifeAssurance 360
2. Implementation
Once a solution has been identified, our team of experts navigates the insurance application fulfillment and underwriting process.
Concierge Services
Our in-house Concierge Services team simplifies the life insurance process for clients by contacting them directly to complete the application paperwork and coordinate the necessary underwriting requirements. By combining exceptional customer service and operational expertise, Concierge Services provides a simple, consistent and exclusive application experience for our clients.
Underwriting Advocacy
Our team of underwriting experts use their knowledge of how carrier underwriters make decisions to proactively position your life insurance application in the most favorable light. Underwriting Advocacy increases the potential for positive underwriting results through a unique approach that adds detail, expertise and clarity to the process. Our underwriters leverage their strong technical abilities and deep relationships across the industry while “humanizing” your case to help ensure the best possible outcome.
3. Policy Delivery
Utilizing our carrier partnerships, we negotiate the best offer possible and deliver the policy to the client.
4. Ongoing Policy Management
After the policy is in force, our team of dedicated specialists provides ongoing management and monitoring to ensure the policy continues to meet the client’s needs in the future.
Ongoing Policy Management and Monitoring Services
We partner with The Policy Management Company to reduce the risk of your policy not performing as designed and to ensure your coverage continues to meet your expectations. Through a detailed review process and objective analysis, the PMC works with us at Long Road to determine the current performance of your policy and identify solutions to improve it as needed. Active and ongoing management with annual reviews keep your policy on track and in force.
- PMC Partnership Brochure
- PMC Team
- Case Study – Insurance Review Uncovers Pending Policy Lapse
- Case Study – The Case of the Missing Loan Repayment
- Case Study – The Case of the Premium Overpayment
- Case Study – Review Finds Rounding Error Caused Reduced Guarantee
- Case Study – Subaccount Allocation Affects Policy Performance
- Case Study – Business Owners Benefit from Annual Policy Review
- Life Insurance 10X Book: Chapter 11 – Ongoing Policy Management
1. Education
We educate advisors and clients on the insurance strategies and resources available to help enhance or protect their financial plans.
Life Insurance
Long Term Care
Life Settlements
Our Life Settlement Advocacy Program™ provides an opportunity for clients who have built up a fair amount of cash value in their policy, but no longer need it, to sell their policy as a security transaction. Our unique compliance-oriented marketing system provides a step-by-step guide through a life settlement transaction and ultimately provides the highest level of value for a client’s life insurance policy.
Financial and Estate Planning Modules
Long Term Care
Survivor Needs
Tax Optimization Illustrator
Estate Snapshot
LifeAssurance 360
2. Implementation
Once a solution has been identified, our team of experts navigates the insurance application fulfillment and underwriting process.
Concierge Services
Our in-house Concierge Services team simplifies the life insurance process for clients by contacting them directly to complete the application paperwork and coordinate the necessary underwriting requirements. By combining exceptional customer service and operational expertise, Concierge Services provides a simple, consistent and exclusive application experience for our clients.
Underwriting Advocacy
Our team of underwriting experts use their knowledge of how carrier underwriters make decisions to proactively position your life insurance application in the most favorable light. Underwriting Advocacy increases the potential for positive underwriting results through a unique approach that adds detail, expertise and clarity to the process. Our underwriters leverage their strong technical abilities and deep relationships across the industry while “humanizing” your case to help ensure the best possible outcome.
3. Policy Delivery
Utilizing our carrier partnerships, we negotiate the best offer possible and deliver the policy to the client.
4. Ongoing Policy Management
After the policy is in force, our team of dedicated specialists provides ongoing management and monitoring to ensure the policy continues to meet the client’s needs in the future.
Ongoing Policy Management and Monitoring Services
We partner with The Policy Management Company to reduce the risk of your policy not performing as designed and to ensure your coverage continues to meet your expectations. Through a detailed review process and objective analysis, the PMC works with us at Long Road to determine the current performance of your policy and identify solutions to improve it as needed. Active and ongoing management with annual reviews keep your policy on track and in force.
- PMC Partnership Brochure
- PMC Team
- Case Study – Insurance Review Uncovers Pending Policy Lapse
- Case Study – The Case of the Missing Loan Repayment
- Case Study – The Case of the Premium Overpayment
- Case Study – Review Finds Rounding Error Caused Reduced Guarantee
- Case Study – Subaccount Allocation Affects Policy Performance
- Case Study – Business Owners Benefit from Annual Policy Review
- Life Insurance 10X Book: Chapter 11 – Ongoing Policy Management